Our honest review of Kennel Club pet insurance
Kennel Club Pet Insurance is the pet cover product distributed under The Kennel Club brand and underwritten by Agria Försäkring UK branch — the same underwriter that powers Agria Pet Insurance, the HelloSafe UK partner CTA#1. The four Lifetime tiers (Lifetime Lite / Lifetime / Lifetime Plus / Lifetime Premium) are structurally identical to Agria — same illness waiting period (10 days), same Section 4 TPL arrangement (Ecclesiastical Insurance Office plc, £250 per-claim excess), same two-part excess structure on the Schedule of Insurance. The free Agria Vet Guide app (24/7 video expert vet advice) is included. Trustpilot at 4.6/5 from 1,828 reviews is strong but with a smaller review sample than standalone Agria (4.8/5 from 11,647 reviews). The structural question is pricing: Kennel Club's affinity-brand positioning may carry a small premium vs the direct Agria product for the same underlying insurance contract.
Our take: compare before signing up. With Agria (the direct product, same underwriter as Kennel Club), the same four Lifetime tiers are available — at potentially better pricing through direct distribution and the HelloSafe partner discount.
Strengths
- Agria Försäkring UK branch as underwriter — same as the HelloSafe UK partner Agria
- Four Lifetime tiers (Lifetime Lite / Lifetime / Plus / Premium) — same structure as Agria
- Free Agria Vet Guide app: 24/7 expert vet advice via video call
- 10-day illness waiting period at the short end of the UK market
- Ecclesiastical Insurance Office plc underwrites Section 4 TPL (£250 per-claim excess)
- The Kennel Club brand and affinity for pedigree dog owners
- Trustpilot 4.6/5 from 1,828 reviews
Weaknesses
- Underlying insurance contract is structurally identical to standalone Agria — the Kennel Club brand wrapper may carry a small premium
- Annual vet fee limits and excess amounts on the Schedule of Insurance (not the wording)
- Pre-existing conditions excluded with no finite lookback window (lifetime lookback in practice, same as Agria)
- Bilateral disorders clause excludes paired body parts (eyes, ears, knees, hips, shoulders, elbows)
- Smaller Trustpilot sample (1,828) than standalone Agria (11,647)
- Dental for illness requires annual vet dental check-up history (same as Agria)
What does Kennel Club cover for pet insurance?
Kennel Club Pet Insurance offers four Lifetime tiers — the same structure as standalone Agria, since the underwriter is the Agria UK branch. Choice of tier determines annual vet fee limit on the Schedule of Insurance.
| Coverage | Lifetime Lite | Lifetime | Lifetime Plus | Lifetime Premium |
|---|---|---|---|---|
| Cover type | Lifetime | Lifetime | Lifetime | Lifetime |
| Annual vet fee limit | On Schedule | On Schedule | On Schedule | On Schedule (top tier, up to £20k on Which? Best Buy) |
| Excess (fixed + percentage) | Per Schedule | Per Schedule | Per Schedule | Per Schedule |
| TPL excess (Ecclesiastical) | £250 per claim | £250 | £250 | £250 |
| Section 1 vet fees | Up to limit | Up to limit | Up to limit | Up to limit |
| Behavioural treatment | Up to £750 | Up to £750 | Up to £750 | Up to £750 |
| Platelet Rich Plasma therapies | Up to £750 | Up to £750 | Up to £750 | Up to £750 |
| Home euthanasia / cremation / burial | Up to £150 | Up to £150 | Up to £150 | Up to £150 |
| Section 4 Third Party Liability (dogs) | Included | Included | Included | Included |
| Section 5 Death / Theft | Included | Included | Included | Included |
| Agria Vet Guide app (24/7 video vet) | Free | Free | Free | Free |
HelloSafe comparison · updated May 2026
Annual vet fee cap vs monthly premium
Each provider's position on the two dimensions that drive value.
Indicative monthly prices for a medium-breed adult dog, top-tier plan.
Waiting periods
| Event type | Waiting period |
|---|---|
| Illness | 10 days |
| Accident | Not separately stated in wording — on Schedule |
| Pre-existing conditions | Lifetime lookback (any clinical signs before policy start permanently excluded) |
| Bilateral conditions | Excluded if first side had signs before policy start |
The 10-day illness waiting period is at the short end of the UK market — same as standalone Agria. The bilateral disorders clause excludes paired body parts (left/right knees, hips, etc.) if one side had pre-existing symptoms.
What does Kennel Club exclude?
Kennel Club exclusions follow the Agria UK branch underwriting structure — identical to standalone Agria.
| Category | What the policy says |
|---|---|
| Pre-existing conditions | Lifetime lookback (no finite window) |
| Bilateral disorders (paired body parts) | Excluded if first side symptomatic before policy |
| Illness in first 10 days | Excluded |
| Dental without annual check-up | Excluded; recommended treatment must be carried out within 3 months |
| Routine and preventative treatment | Vaccinations, vermicides, spaying, castration |
| Breed exclusions | Cane Corso, American Bully, Dogo Argentino, Japanese Tosa, Munchkin cats, wild cats, wolf hybrids |
| Dangerous Dogs Act 1991 | Excluded |
| Treatment outside UK (except Section 8) | Excluded |
Kennel Club pricing and reimbursement
Kennel Club does not publish a fixed price grid; premiums depend on species, breed, age, postcode and chosen Schedule of Insurance.
Sample pricing
| Profile | Lifetime Lite | Lifetime | Lifetime Plus | Lifetime Premium |
|---|---|---|---|---|
| Cat, 1 year, mixed breed | £14–£20/mo | £20–£28/mo | £26–£36/mo | £32–£48/mo |
| Dog, 1 year, medium breed | £22–£30/mo | £30–£42/mo | £40–£55/mo | £55–£80/mo |
| Dog, 5 years, Labrador | £32–£44/mo | £44–£60/mo | £58–£78/mo | £78–£105/mo |
Kennel Club pricing typically tracks Agria pricing closely — same underwriter means similar risk pricing. Our take: compare before signing up. With Agria (the direct product, same underwriter as Kennel Club), the same four Lifetime tiers are available — at potentially better pricing through direct distribution.
Available discounts
Kennel Club member discount may apply at quote stage for existing Kennel Club members. Multi-pet discount also available.
Upfront vet costs
Direct vet payment is available subject to vet practice agreement. Claims via the Agria UK claims portal.
3 reimbursement scenarios
Kennel Club vs the top UK alternatives
Kennel Club is the affinity-brand pet insurance from The Kennel Club. The chart positions it against the three HelloSafe UK partners (Kennel Club shares the underwriter with Agria).
What services does Kennel Club offer?
| Service | Status |
|---|---|
| Agria UK customer portal | Yes (shared with Agria) |
| Agria Vet Guide app (24/7 video vet) | Free |
| Agria Försäkring UK branch underwriting | Yes |
| Ecclesiastical Insurance Office plc (TPL) | Yes |
| The Kennel Club brand affinity | Yes |
| Direct vet payment | Subject to practice arrangement |
| Multi-pet discount | Available |
| Monthly or annual payment | Both available |
Kennel Club Pet Insurance operates through the Agria UK customer infrastructure (same claims portal, same Agria Vet Guide app, same direct vet payment network). The Kennel Club brand adds the affinity positioning for pedigree dog owners and Kennel Club members.
What do customers say about Kennel Club?
Trustpilot shows 4.6/5 from 1,828 reviews — strong score but smaller review sample than standalone Agria (4.8/5 from 11,647 reviews). The two scores reflect the same underlying insurance product distributed under two different brand wrappers.
Positive themes: appreciation for the Agria UK claim handling (same as standalone Agria), the Kennel Club affinity, and the Agria Vet Guide app. Negative themes: occasional confusion between Kennel Club and Agria branding at point of sale, and the standard Agria exclusions (lifetime pre-existing, bilateral conditions) applying as elsewhere.
How to contact and cancel Kennel Club
Contact
| Purpose | Channel | Details |
|---|---|---|
| Claims and reimbursement | Agria UK portal | Online submission, processed by Agria |
| Agria Vet Guide 24/7 video | Agria app | Free |
| Customer service | Phone / Portal | Agria UK helpline 03330 30 83 98 (same as Agria) |
| Complaint escalation | Kennel Club → Agria UK → FOS | Multi-entity |
Kennel Club Pet Insurance customer service is routed through Agria UK infrastructure. The UK helpline (03330 30 83 98) is the same as Agria.
Cancellation
| Step | Detail |
|---|---|
| 14-day cooling-off period | Full refund if cancelled within 14 days and no claims made |
| Cancellation method | Phone Agria UK or written notice |
| Refund after 14 days | Pro-rata refund for unused cover, subject to claim history |
| Cover after cancellation | Ceases on the cancellation date |
| Claims after cancellation | No claims accepted for incidents after the cancellation date |
| Renewal | Auto-renews unless cancelled, Schedule confirms renewal premium each anniversary |
Cancellation via phone or written notice. 14-day cooling-off period standard FCA practice.
Alternatives to Kennel Club
The three pet insurance providers HelloSafe recommends for UK owners comparing against Kennel Club.
Lifetime cover with annual pool reset, Swedish specialist since 1890, FCA-regulated UK branch.
Mobile-first lifetime cover, dental included as standard, rewards programme for healthy pets.
Flexible plans, accepts pets up to 9 years, multi-pet discount and complementary therapy add-ons.
Our take: compare before signing up. With Agria (the direct product, same Agria Försäkring UK branch underwriter as Kennel Club), the same four Lifetime tiers are available — at potentially better pricing through direct distribution and the HelloSafe partner channel.
Frequently asked questions about Kennel Club
Is Kennel Club pet insurance the same as Agria?
Structurally yes. Kennel Club Pet Insurance is underwritten by Agria Försäkring (UK branch of Försäkringsaktiebolaget Agria publ) — the same underwriter that sits behind Agria Pet Insurance. The four Lifetime tiers (Lifetime Lite / Lifetime / Plus / Premium), the policy wording, the 10-day illness waiting period, the Section 4 TPL arrangement with Ecclesiastical Insurance Office plc, the bilateral disorders clause, the lifetime pre-existing lookback — all identical. The difference is brand positioning: Kennel Club is the affinity-brand wrapper for pedigree dog owners and Kennel Club members.
Is Kennel Club pet insurance worth it?
For owners aligned with The Kennel Club brand (pedigree dog owners, Kennel Club members, Crufts attendees), Kennel Club Pet Insurance delivers Agria's lifetime depth under a familiar affinity wrapper. The Agria Vet Guide app is included free. The Kennel Club member discount may make pricing competitive vs direct Agria. For owners not specifically aligned with The Kennel Club, direct Agria (same underwriter) is typically the simpler choice — same product, fewer brand layers.
What is the Kennel Club pet insurance excess?
Like Agria, Kennel Club uses a two-part excess structure: a fixed pound amount plus a percentage co-insurance. Both numbers are stated on each pet's Schedule of Insurance, not in the policy wording. The fixed excess applies once per condition per policy year; the percentage co-insurance applies to every eligible amount on every reimbursable claim. Section 4 Third Party Liability has a separate £250 per-claim excess.
